Best Saving Tips…

You may often hear that there are two ways to save: You can spend less and increase what you’re bringing home.

• I found something that is far more effective – Automatic Saving.
  Some experts would refer to it as paying yourself first and so on…
  – Automatic Saving is simple, yet super effective. When you’re paid at work or for anything, automatically file away a percentage of that in your savings and you’re done. what percentage you put away depends on what you can afford, but even if it were $20, put it away.  It’s funny how we commit to subscriptions, car payment and everything else, but when it comes to putting a little bit away we just don’t do it. Just do that and keep doing it and you’ll be surprised of how much you’ll stash away.
• This may look daunting but you need a budget, I’m not talking about skipping your lattes, but it’s important to have a good sense of how much money you use monthly. Once you know that number, then you can determine whether it’s enough, not enough or even more than you thought. It’ll help you gauge what you put away, put it away and do not use or touch it. It basically does not exist.
  Listen without a map, you can’t know where you’re going. How would you know how close or how far you are. I’m not asking to pinge pennies, but you need to do an assessment.

I know we are all looking for a magic bullet out there, but there isn’t one. You need to put in the work. The journey is when we’re living because what you’ll find is that the path to your destination is rarely what you thought it’d be and when you get there, it’s almost never what you wish it was. The journey along the way enables you to gain so much more knowledge. Take it. Embrace it…

The main thing that you have to remember is to put something away everytime you are paid.

Can you find a legitimate way to make money online?

Let me ask you this. How do you make money?

To make money you need to sell something or provide a service. That’s it. So if you want to make money, you should ask yourself: What product am I selling or what service am I providing? Are you bringing value to others?  This is a serious question.
There isn’t enough space to dive into this. Every so-called prodigy will claim that they’ve made hundreds, thousands, and even millions online. Tons of trainings, videos, and false claims by seasoned entrepreneurs, beginners, first-timers, and even non-timers alike. Hackers used to have to work hard to steal your hard earned cash and info, not anymore, they roam the internet and youtube in plain sight. They promise freedom and fortune, but leave torn pockets and broken promises in their paths. Why should you believe me?
While you might find it more appealing to read about how many millions and how richly others have made it. I, for one, will give you the facts. I have lost more than anyone should in the hands of these so called gurus and geniuses. In my attempt/journey to find financial freedom, they exploited the weakest parts of our nature (Instant gratification). No matter how many times we might be advised to do things differently, instant gratification is buried deep within our DNA. It’s not something we can easily control. We can hack it, but trying to control it is a fool’s dream.

Simple Rules You Should Live By

• First and foremost, trust no one online. Your good heart will be reaped out of your chest and stomped on and your hard earned cash will evaporate. These predators are waiting for you.
  • You don’t know whom you’re talking to (guy, girl, group, organization, dark web) They can disguise as anyone and be anyone anywhere on your favorite platforms (Youtube, Upworks, Google, Fiverr…). You name it. While these sites help busy professionals get what they’re looking for, they are a breading ground for these hackers.
• Beware of anyone too convincing and too focused on your hard earned cash. Always providing some class and training packages they recorded years ago. You’re just a credit card swipe for them. No feelings at all, they just move from prey to prey.
• Stop thinking you got them all figured out. New tactics, new pitch, new angle. That’s what they do and they’re good at it, especially to unsuspecting folks like us.
• Evaluate what everyone else is paying for the same service. Push for verification and confirmation (A thief will only go so far before they break, but keep pushing). an unwillingness to comply will tell you what you need to know.
• Keep your private information private. Lock down your passwords and private info. Getting hacked is a terrible thing and losing goods is as worse. This deserves its own section.

Can You Make Money Online?

Of course you can, but set small goals to satiate your instant gratification hunger. You can’t beat it, so you have to play with it. Small wins can be achieved quickly, giving you that boost you’ve always wanted. Understand though, most things take time, quite a bit of time in fact, be ready for the journey, do your research. Educate yourself, you cannot go wrong.

My goal is to find a way, please do stay tuned as I will often update these pages to bring you factual and actionable content.

Saving money is a fundamental aspect of financial planning. Regardless of your income, learning to save money can help you achieve your financial goals and secure your future. It is crucial to have a good understanding of your spending habits, so you can identify areas where you can cut back on expenses and put the extra money towards savings. Have you ever heard the saying it’s not how much you make, it’s how much you keep, well it’s never been truer.

More money won’t solve bad habits. Money itself is a tool, it has its purpose, the thing is it can infiltrate all aspects of our daily lives. Unlike a screwdriver where you would pick it up for a specific task, money can be used in so many different ways, it can become your own enemy. In this case, it’s not bad to think of money as an amplifier. If you’ve had bad impulses to spend when you had little, now you can buy more. If money drove your lifestyle, well this pattern will continue.

I’m sure you’ve heard of these folks that have gone broke after winning the lottery. They got rich, a ticket to wealth was literally handed to them. Their inability to manage their funds produced the same results that it has always yielded. Understanding your budget, your habits, your weaknesses, accepting them and working on them are key to becoming not just better with your money, but all aspects of your life so you can live a fulfilling one.

Here are some tips on how to save money:

• Make a Budget: One of the most important steps in saving money is to create a budget. A budget allows you to track your expenses and identify areas where you can cut back. Start by listing your monthly income and then listing all of your expenses, including fixed expenses like rent, utilities, and car payments, as well as variable expenses like groceries, entertainment, clothing, I even add a section for miscellaneous (or unexpected spending)
• Reduce Expenses: Once you have identified your expenses, look for areas where you can reduce your spending. For example, you can save money on groceries by buying in bulk, using coupons, or shopping at discount stores. You can also save money on entertainment by finding free or low-cost activities, such as hiking, visiting a museum on a free day, or borrowing books from the library.
• Avoid Impulse Buying: Impulse buying is a common habit that can drain your finances quickly. To avoid impulse buying, create a list of the items you need before you go shopping and stick to it. You can also try waiting 24 hours before making a purchase to see if you still want or need the item.
• Use Cash: Using cash instead of credit cards can help you stay within your budget and avoid overspending. When you pay with cash, you can physically see the money leaving your wallet, which can help you be more mindful of your spending.
• Set Savings Goals: Setting savings goals can help you stay motivated and focused on your financial goals. Whether you want to save for a down payment on a house, pay off debt, or build an emergency fund, setting specific goals and timelines can help you achieve them.
• Automate Savings: Automating your savings is an easy way to save money without even thinking about it. You can set up automatic transfers from your checking account to your savings account each month. This way, you won’t be tempted to spend the money that you intended to save.

In conclusion, saving money is a crucial part of financial planning. By creating a budget, reducing expenses, avoiding impulse buying, using cash, setting savings goals, and automating your savings, you can take control of your finances and achieve your financial goals. Remember that every little bit counts, so start small and gradually work your way up to bigger savings.